The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,456
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$267/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,972/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,830/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,147
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$321/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,566/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,288
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,591
−HK$307/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,796/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,838
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$374/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,160/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,170
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$358/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,694
−HK$481/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$461/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).